# OSGOOD BANK
OSGOOD, OH · FDIC certificate 9137 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $485.8M | |
| Deposits | $437.3M | |
| Loans and leases | $303.5M | |
| Total equity | $42.8M | |
| Loans / deposits | 68.13% (p22 of band) | 82.04% |
| Liquid assets / assets | 32.22% (p70 of band) | |
| Uninsured deposits / deposits | 27.18% (p55 of band) | 25.97% |
| Brokered deposits | 1.03% | |
| Wholesale funding | 1.21% (p36 of band) | |
| FHLB advances / assets | 0.13% | |
| Tier 1 leverage | 9.86% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -7.71% (p51 of band) | -8.10% |
| AOCI / equity | 0.29% (p88 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 60.40% (p47 of band) | |
| Noncurrent loans | 0.38% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 475.17% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 22.32% (p27 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | charge-offs p90 |  |
| 2012-09 | 0 |  | charge-offs p90 |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-21 [Osgood Bank reflects on 2025 growth and community impact - Sidney Daily News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPNThQaWZMQ3hEaHdXS2hoYmJjUU5VZkVDNjJYMEQwQzB5Q1RGbjg5ZWpwUEhyZTJ3UWJOaVJSVjNuZ253akhjRW9PbERXemhUdTBDQmVSTlE2MzVHbVBVRHdHUXpIRC1nbUMyakJyeHl0WlRBUzRTLXZfU1RObXdvbTB6dTVZeDhpVXMwTkRad1NNamM0YWJtVk43RWpLN1dXNEE?oc=5) · Sidney Daily News
- 2025-03-24 [Osgood Bank to open in Russia - dailyadvocate.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1DZE1PUXY4d3pNUTA5LWQ1ZFp0UGpSVV9DRXdBM3VidUZjQUxsNkVEY1ZSRG11NXBGOUs4UzA0blE0c0tHZlJRWGtNWjhySDVMeUFXaWZrM04zR3BLcUJjT3dLZnk0a1l2VXVrdlljWXBfZ09NQlViYktHSQ?oc=5) · dailyadvocate.com
- 2022-01-12 [Osgood businesses spreading goodness beyond northern Darke County - WDTN.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPa0RPNTA5NFpmRHdfMTFtaDhUWjYweC12NkZ2cUlka3hFMkgyWW55MktZS00zT1JrU3ZGZHhmTmpxSGRROThBYjVFRlp2cjBvMGtCUWxpTWhYdW9kaElkWGVOSnRiXzZlZ0RsX2RaUWpxMEowZUJXNXhtUG15QnZSbXN3UDRKa2vSAYwBQVVfeXFMTmRtVV9vNnl5aTRtZS1vSXhmcERCVjdVMGpGOV9VZmVfX09uXy1uX0swUi1iTnVuWHIwWWl4S2luX0ZWMXdJTVJpNmxEWHRocTdiSHM5RzhXRElKVEJOMC1pcEtRM2JCSDVfSnhfTFNVVm9ZWmVKTy1JaUk0NG16YkxzNExvZHl6R29FWFY?oc=5) · WDTN.com
- 2025-06-06 [Osgood Bank opens in Russia - Sidney Daily News](https://news.google.com/rss/articles/CBMie0FVX3lxTE9FWWFxQ2NwYl9RcmhROHlieTFkSkJEYkU5VzVLSkZZRDhEbVJzZkFXRTd5Q0xyUTVWOWJfZ3AtX2R2eEpmUFJDMXZYSFJ4WFVQd3dfMk16cGZKbVNSbi1XdS0xc3NIbGRfMFJ1WlVYaUY5ZVJMaU1aSndZSQ?oc=5) · Sidney Daily News
- 2022-11-11 [Board members request money from town - The Daily Standard](https://news.google.com/rss/articles/CBMibEFVX3lxTE9rczc1UDR0YTNxYmRLb0JvcXNSaF9ybUxUVzRBOG8wLWl2aDBXS0FhUFhmc0p3ZHFZZWRoM3F3Z2w0aEZ0RzdKcEh0dWZJU28tcWpRWG1HYXFYTVVCZUZJOXlDTDcwaWhILXVZUg?oc=5) · The Daily Standard
- 2022-07-26 [Dort Financial Credit Union welcomes Sharon Lobo as Vice President of Lending - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxNeThvUXhmQ29fal90bFl4cFFKRko2aHVVbEw1cUxfLVM0bzVON2xjVVR3N0M2ZkdqNnlCT2pSMVFUTW1PU18xYmh4QndsYzkxcnF4Zml6S1U1eERqWFR2NUt2S0RWb2Nnd05oY2kxb0hDaWg3VDJaNG9zYlpmOHdIQ01ZaEZkMndyQ0hRNDFURl9IcG9ZT3NQb2FnRVdHNE1seGdpUHhXcy1YaDM4d194MXQ1Vjdra1Y5bUE?oc=5) · CUInsight
- 2023-02-22 [Osgood Bank continues pattern of strong growth in 2022 - Sidney Daily News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQY1Q0ZXl6Rno4XzJqMm96N3lPSU53RjIwdEJnWDlwVzBUTFBfYVRKdDlMS013SXo5UjJoTDRPdFljTk1WVVFJRFFhQnZrUlU5UXFqeVFhWkRDXzRtLXNaN3M5OWFoVW0xNGVjb0gtenNhSHRZbGdSd2N6RG9mbUMzdUtVNjNBQ3RMUGc4ZFZRQ0RWVi1PNV9fUVF0bnYzRTQ?oc=5) · Sidney Daily News
- 2024-01-23 [Williams joins Osgood Bank as branch manager - Sidney Daily News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNX0J0OUJiTFVIOU9Vcmhaa0pObEppWnRCWmdrRXB4VFJVRUczYllSekhaYXp6YVdQWFNqU0EzVW96cnBla3REc3ZyNS1lZ0l6Q0ttQnpxaEF5Qm52RUdUS1RTaVFDOXRuWHVqeGRzUVh2empjYUdzMmVlOTM5UW1HejduWWZEVDIxUFJGbG4ybzdJZw?oc=5) · Sidney Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9137 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "9137", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide